1. I have nothing against any insurance company.

I'm not targeting any insurance agents.

I have nothing against anyone who is unreasonable.

Ping an profile: the second largest life insurance company in the world

Non-state-owned enterprises in China ranked first for three consecutive years.

20 10 Forbes 500 No.87

20 10 ranked 383rd among the top 500 in the world.

One of the three major financial groups in China.

First of all, universal insurance is the most advanced commercial insurance in China, which is beyond doubt. Universal insurance is not a patent of Ping An, and many other insurance companies also have universal insurance, but the brand with the best response on the market at present is China Ping An's Smart Win Life Universal Insurance. China life insurance products have experienced the following periods. First, primary insurance products for reimbursement of medical expenses and compensation for death during the period; Second, the dividend-paying insurance products with investment income function; Third, the term of universal insurance products with investment income function, customers can flexibly control the insured amount, premium and cash value.

Dividend-sharing products and universal products belong to investment products. The CIRC stipulates that 70% of the annual investment profits of insurance companies must be distributed to customers as dividend income (including dividend-paying and universal products), and the planned demonstration income should not be higher than 30%.

Dividend-paying products have two advantages, one is fixed dividend and the other is floating dividend. Fixed dividend+floating dividend = total income, in other words, the total income of the policy-fixed dividend = floating dividend, the essence of which is the so-called fixed return dividend, which is actually a part of the total income to be returned every two years or every three years. In fact, as long as anyone who has worked in the insurance industry knows, the so-called fixed dividend is actually a means to confuse customers in the form of contracts. So why do insurance companies dare to say that this is a fixed dividend? It's actually quite simple. Actuaries and product R&D departments of various insurance companies have made market budgets. They know that after investing in this product for two or three years, it is possible to return 7%, 8% and 9% of the premium or insurance amount.

Universal products also have two benefits, one is the cash value investment income (that is, dividends, here called different, here called income, there called dividends), and the other is the cash value compound interest. The income of universal products, like dividend insurance, depends on the operating conditions of insurance companies. Dividend-sharing products will take out a part of the income as a "fixed return" and transfer it to the customer's account every few years, while all the income of universal products will continue to be placed in the cash value of the policy to enjoy compound interest. For example, 6000 yuan to buy a dividend insurance, 6000 yuan to buy a universal insurance. The company's profits have created a 500 yuan for these two types of insurance. If the dividend insurance takes 300 yuan as a fixed return, 200 yuan will continue to accumulate interest. 500 yuan, a universal insurance company, did not take part of it, while 500 yuan compound interest completely, raising the interest rate. Which side has gained more benefits? One can imagine.

Secondly, let me talk about the characteristics of universal insurance. Universal insurance is called universal insurance because it can flexibly control premium, insurance amount, payment period and cash value.

Flexible control of premiums: 4,000 Ping An universal insurance, with no upper limit; Additional deposits can be made for annual deposits of 6,000 yuan or more, but the deposit must be an integer multiple of 1000 yuan, and it is not allowed to add a few dollars or dozens of dollars. All additional deposits are included in the investment and wealth management account, enjoying the investment function and compound interest calculation function. Compound interest-pay interest monthly, once a year 12 times; Simple interest-interest is settled once a year (such as bank demand deposits). Einstein once said, "The most powerful weapon in the world is not an atomic bomb, but time plus compound interest.".

Flexible control of insurance coverage: Under normal circumstances, the design benchmark insurance coverage of Ping An Universal Insurance with an annual deposit of 6,000 yuan is 1 0.2 million life insurance,110,000 critical illness insurance, 60,000 accidental injury insurance and 20,000 accidental injury medical insurance. As long as the policy contract is not terminated, the customer can adjust the insured amount according to his actual situation. For example, the period of 20-30 years old is the golden age for young people to travel. At this time, young people are energetic and impulsive, and the probability of accidental injuries is high, while the probability of major diseases is low. You can go to the company or fill out a list online, and adjust 40,000, 50,000, 60,000, 70,000 for serious illness and 65438+ for accidental injury. 30 -50 years old is the golden stage of career. Social activities are more, physical exertion is greater, and the probability of illness increases. Life insurance and critical illness insurance can be provided, with 6.5438+0.5 million, 200,000 and 250,000 all fine. It's up to the customer. No matter whether the insurance amount is lowered or raised, there will be no additional expenses, and all of them will be collected from the cash value in the form of guarantee cost. If customers value the investment income function of this product, they can remove all the critical illness insurance, accident insurance and accidental medical insurance of the above four guarantees, and put all the saved guarantee fees into the wealth management account, with considerable income function. Of course, if customers find it troublesome to run an insurance company, they can ask a salesman to help them operate, or they can log in to Ping An official website to enter the customer account (a convenient management tool for online insurance, deposits, stocks, funds and other financial services launched by Ping An) and directly solve the services they want online, just like the QQ alumni network hard disk in QQ space. People who fall in love with the internet know how to operate at a glance, which is very convenient.

Flexible control of payment terms.

1. As we all know, the payment period of traditional dividend-paying products is fixed, such as 3 years, 5 years, 10 years, 65438+20 years in 2005, etc. Payment shall not be interrupted during the payment period. If the payment period exceeds 2 months, the guarantee function will be invalid, and the insurance contract will be terminated if no application is made within 2 years. Customers can get back the remaining cash value. If the customer is really unable to pay the fee due to economic reasons, it will not only lose insurance protection, but also cause the loss of the customer's interests. Although customers can choose to reduce the amount of insurance or pay dividends instead of paying premiums, this is not a long-term solution after all. Reducing payment can only be a temporary solution, not a permanent cure.

2. The payment period of universal insurance is lifelong. Why is it for life? Because customers can choose to save money in it for life, or they can choose not to save money for life. As long as the cash value in the policy is enough to pay the guarantee fee, the insurance contract will continue to be valid. If the customer has a lot of idle funds and there is no better investment channel, it is not a problem that 65438+200,000 1 10,000 is in this universal insurance account. Not to mention paying the money this year, there will be no insurance if you don't pay it next year, and the contract will be invalid if you don't pay it for two years. Simply put, universal insurance is the passbook of current deposit. You can choose when, how much and how to save. For young people who have just left the society, their income is still unstable, but they are about to buy a house and get married. This function of demand deposit is particularly important.

Flexible control of cash value;

Let me talk about the cash value collection methods of the two best-selling insurance products on the market at present.

As we all know, there are several ways to collect the cash value of traditional dividend insurance:

1. Survival payment

2. Collect floating dividends

Step 3 get a fixed dividend

4. Insurance policy loans

surrender

The above statement about the cash value of dividends is too detailed. In fact, there are only three pieces: dividends, loans and surrender.

Universal insurance cash value collection method:

1. Go to the company to withdraw money yourself

2. If there is a local Ping An Bank, go directly to Ping An Bank to withdraw money.

3. Log in to your account and transfer money online.

Step 4 give up

I compared universal insurance to current deposit before, which makes sense. Customers can withdraw the cash value of the policy anytime and anywhere. As long as the policy value is enough to cover the current year's security expenses, the contract will remain valid. Customers get free cash withdrawals twice a year. Starting from the third cash withdrawal, the company will charge 20 yuan a service fee, which is slightly different from the current deposit.

It is an undeniable fact that universal insurance is the most competitive insurance product in China market at present. In market selection, backward products will be replaced and advanced products will be put on the table. Our mobile phones range from mobile phones to blue-screen electronic ringtones, to color-screen mobile phones, He Xuan ringtones, cameras and 3G mobile phones. Every product upgrade is cultivated under the big waves of the market. Under the condition of the gradual improvement of China's insurance market, universal insurance came into being and blossomed everywhere like mushrooms after rain. Our customers know that aquatic products are on the rise, and they have enough judgment to choose the most perfect product in their minds. In 2005, China Ping An withdrew from the first batch of universal insurance products, which laid the foundation that universal insurance will become the leading insurance in China from the first policy. It can be said unabashedly that a well-designed universal insurance = bank demand deposit+insurance fund income+insurance protection = comprehensive insurance lifelong financial management plan.

I am an employee of Ping An and an ordinary citizen. From the perspective of an ordinary person, the national enterprises in China are developing day by day, which is one of the important signs of the rapid development of China's economy and aquatic products. China's insurance industry rose in the war, died out in the war, rose again in the economic reform, and then made great achievements in the 20th century. China Life Insurance, China Ping An Insurance and Pacific Insurance, as the leading figures in China insurance industry, have made outstanding contributions to the economic development of China and the improvement of people's quality of life in China. China Taiping, Taikang Life Insurance and Xinhua Life Insurance have also injected fresh blood into the insurance industry in China. China Ping An, together with the major brother insurance companies, has sent countless guarantees and countless warmth to the ordinary boss surname in China. We are all members of the insurance industry in China, and it is a kind of happiness to shine in such a glorious and ordinary post. We encourage each other, promote each other, encourage each other, chase each other, help each other in the same boat, and do our bit for the insurance industry in China. This is the sacred mission and necessary obligation of new insurance agents in 2 1 century. Those people and enterprises that slander others' reputation are doomed to be eliminated by the market.

Besides, I am born after 80. Take myself as an example. I use my own financial plan as a reference for the landlord.

1. I was born in 1985, an only child. I graduated from financial management in 2008, and worked in China Ping 'an for 2 years. Have a girlfriend, work in a hotel, monthly salary 1800. My parents divorced, my father remarried, and my stepmother earned a monthly income in 800 yuan. My stepmother had a daughter, and my father's salary was 3,500 yuan. Mother lives alone, and her salary is 3500. Grandparents are alive, and my father needs to support the elderly and take care of his stepmother and daughter. Grandma is alive, old and sick, and needs her mother to take care of her.

2. After buying a house, my parents helped me pay a down payment of 1.8 million. Pay 3000 yuan a month for 20 years, and pay the house two years later. My monthly average income is 6,000 yuan, which is calculated together with my girlfriend's income, and I leave 3,500 yuan after deducting my daily expenses. After working for 2 years, I have accumulated about 80,000 yuan of idle funds with my girlfriend.

Financial management project 1: buy social insurance with your girlfriend. This is a winter shirt, which can solve some problems of old-age care and medical care, but it is far from enough to protect my living needs. This only solves the problem of drinking a bowl of porridge, but if there is no bowl of porridge, isn't it pitiful? Then buy it.

Financial Project 2: I participated in the financial plan of China Ping An Zhiying Life Universal Fund account with my girlfriend, and paid 6,000 yuan annually. I plan to save myself and my girlfriend for 65,438+00 years, excluding accidental injuries and accidental injuries. This year, I will remove serious illness and adjust the life insurance coverage to 200,000. In this way, after 10 years, the cash value in my girlfriend's and mine's accounts reached 80,000, and the two accounts earned 40,000, which was just the tuition fee of my son 10 years later, and the rest of the money continued to roll over. After 30 years, the total value of my girlfriend's account and mine reached 450,000, just as a supplement to providing for the aged. My girlfriend likes Aegean Sea and Maldives best, and we can continue our honeymoon when we are old, hehe. ~!

Financial Project 3: I purchased self-service card insurance products from China Ping An and China Life Insurance, and solved other medical expenses on the basis of medical insurance and company group insurance. An insurance card of 100 yuan, 150 yuan, 200 yuan and 300 yuan is very cheap, but the coverage is very high and the protection is very detailed, which is much cheaper than similar contract insurance products. The most important thing is convenience and speed. You can insure online once a year. I calculated that if the insurance coverage of these cards is added to the traditional insurance, my girlfriend and I will have to pay more than 3,000 yuan in ten years.

Financial Project 4: I bought a critical illness insurance product of Allianz Insurance Company specifically for critical illness insurance with my girlfriend. The relative security cost is lower than that of the same industry in China, and I can still get generous pension subsidies when it expires. My girlfriend and I are in poor health. I have chronic rhinitis 15 years. I usually like to play games and often use my mobile phone. The radiation is very serious. Smoking and drinking with friends is also inevitable. Recently, I stayed up late to watch the World Cup, and my body was severely damaged. Girlfriends are also delicate, and hotel clerks have a hard shift and a heavy physical load. At this point, my critical illness insurance coverage reached 350,000, and my girlfriend's coverage also reached 300,000. I may add some more when I have the opportunity. My mother is a high school doctor, a senior doctor, and knows the shady medical expenses. She suggested that the critical illness reserve should be at least 600,000. My accidental death insurance coverage is 800,000, with more accidental injuries, 65,438+10,000 and accidental disability 1 10,000. If I count the severe disability in the critical illness insurance, my accidental disability has reached 1.8 million. Even if I break my leg playing football, I'm not afraid it will become a lifelong burden to my family. Accident insurance is very, very cheap. I choose the most affordable card insurance. My illness has also reached 900 thousand.

Why do I make myself so valuable? I spend money on vanity. I am still young, but my parents are old. If anything happens to me at this time and I die, my father is old and in poor health. Who will take care of the serious illness and minor pain? Besides, his grandparents are still alive, even his stepmother, but the burden of life will crush his aging body sooner or later. What should my mother do? This woman is old and unattractive. Even if she marries another person, she is not as selfless as the husband and wife who have been in trouble for many years. When I was in a sponsor's home, I only had Lacrimosa every day, my temples were pale, and I died of depression. I absolutely don't want to see such a thing happen. If I really leave one day, I will leave 500,000 yuan to each of my parents as a little filial piety to my son, so that the insurance money can do my filial piety for me. Leaving a sum of money for his girlfriend is a compensation for a woman's love spirit, so that he can not worry about underwear and food during the emotional entanglement period, and he can successfully find someone who loves her in the future, which is also a confession to his parents. If a person can't even do this, in my opinion, if this person is not heartless or an asshole, Lao Tzu just hates this heartless person and wants to fight when he sees it.

Financial Project 5: Buy 2-year bonds of major banks. Although the interest rate is not very high, it is much better than demand deposit and 2-year fixed investment, and there is no risk. I can make a small profit. Two years later, when my house is handed over, part of the proceeds can be used to buy a coffee table to decorate the living room.

Financial Project 6: Join private financing under the recommendation of friends, commonly known as "usury". I never thought I could be a usurer. Of course, I am very cautious about this kind of investment. Although the income is very rich, I firmly believe that "if you dare to ponder the interests of others, others will dare to ponder your capital" ~ ~ There are high and low investment risks. My capital has never been injected much. I just joined to learn a new way to understand this investment channel.

Financial Project 7: Girlfriend Hotel raises options and promises that employees who stay in the company will get as many rights as possible within three years. The hotel owner is a well-known large-scale state-owned military industrial group in our local area. The Long March rocket and many exported weapons have the shadow of the group, so the reputation is naturally no problem. The hotel is operated by Sheraton five-star hotel, a large international hotel group, and its profit is unknown. Three years later, our house has just been renovated, and joining this plan can solve another problem.

Financial Project 8: My mother's school needs to build a large scale, borrow money from employees, and promise to enjoy the interest rate of 10% after one year, 13% after two years, and 15% after three years (all the above interest rates are annualized), and half of the funds will be converted into the current month's interest rate. The school takes the tuition fee charged every year as the repayment guarantee. The school is a key high school, and the annual tuition fee is astronomical. Reputation is no problem. My mother and I chipped in 50 thousand, but we still went in. You can get 7500 yuan after three years, and now you have a wardrobe.

Financial Project 9: I invested a sum of money in the gold market. I am not familiar with this investment and I am losing money at present.

Financial project 10: I still invested a sum of money in closed-end funds. A friend is a fund lover. He is responsible for helping me take care of it. Currently profitable, but not much.

Financial Project 10: When I was a sophomore, I dared to squeeze, and took more than 4,000 hard-earned money for half a year to enter A shares. In the initial triumph, I was ecstatic and injected the money for buying a notebook into the stock market. In my senior year, the American real estate bubble swept the world, and I lost everything. Finally, I threw away the rest, had a drink with my friends and never went back to the stock market. The stock market is like a tide, how to rise and how to retreat. Only when the tide recedes can we see who is swimming naked again. ...

Financial management project XI: Running a credit card is another way to reserve cash flow, but don't support loans with loans, but support cards with cards. The more cards you run, the poorer you will be.

Financial project 12: online banking, AliPay, 5 173 trading platform. I basically pay utilities, gas, broadband and telephone charges online, so I don't have to go out by car.

Financial management item 13: This is the simplest, bank deposit. There are too many bank deposits, which proves that you don't know how to clean up, and keep money in the bank waiting for depreciation; With less bank deposits, basic living expenses have become a problem. Under normal circumstances, as long as the money in the current deposit is enough for your basic living expenses+emergency reserve. Emergency reserves such as medical expenses for minor ailments and pains, red envelopes for friends to get married and have children, and expenses for visiting relatives and friends. This kind of emergency fund depends on everyone's actual situation. Generally, it will be prepared several months in advance. God knows when it will cost more money ~!

(Note: Don't go astray. It doesn't mean that if you buy enough medical insurance, you don't have to save some medical expenses. Medical insurance requires customers to spend their own money in hospital, and then take it to the insurance company for reimbursement after discharge. If you don't have the money for hospitalization, the insurance company won't advance the medical expenses first. At present, only insurance with the function of paying medical expenses can pay medical expenses. Except for major diseases, as long as a major disease is diagnosed, you can start the critical illness insurance through a paper disease diagnosis certificate, and pay the full critical illness insurance in advance at one time, which is the case for all commercial insurance companies.

I also have other financial projects, such as investing in bars and coffee bars opened by friends and investing in agricultural projects supported by my hometown and county. Although the money is not much, it is still an attempt. If these small projects are revitalized, the funds in my hand will be enough, and I will inject some more ~ ~ ~

From the landlord's question, I guess it should be no problem for the landlord to pay 6000 yuan insurance in the first year of the economy. Then, for the landlord to buy universal insurance, I suggest:

1. If you don't have any protection (small medical care, disability, death, serious illness) and there is no better alternative, you must buy universal insurance, which not only provides comprehensive protection, but also has a good financial planning.

2. If you have enough protection and just want to invest in universal insurance-all insurance wealth management products are medium-and long-term investment products, and any insurance product will be deducted by the insurance company in the short term (emphasizing that dividend insurance also needs to be deducted, which is called initial fee in universal insurance, and who says that dividend insurance is harmful to customers), which will make investors based on short-term very unhappy. And the income function can't be reflected. If you want to spend a lot of money in two or three years and take out all the money in the insurance, you can spend it in these two or three years. No matter what kind of insurance product is certain, absolute, certain and very certain-it will lose money. Therefore, not only universal insurance, but also any insurance product is not suitable as a short-term investment product.

3. If you have good short-term financing channels, such as 2-year and 3-year bonds and corporate credit financing. Then you should take universal insurance as a good opportunity to take a long-term view and catch big fish. Universal insurance compound interest method is the best choice for medium and long-term insurance financing, and it is king in cumulative interest rate increase. The landlord, like me, is only 25 years old and has a long way to go. Isn't it good to leave yourself a windfall in middle age and old age? Where to play then, don't worry about not getting paid, let alone adding burden to children. Maybe this windfall can solve many unexpected problems in life. Why not? With these things, our life will become a simple song-"A Fool is Sad", and every day is a "colorful day" ~ ~

~~~

Finally, I wish the landlord a happy life, good health, delicious food and a good mood every day ~ ~ ~ Finally, don't forget to give me some points if you have the ability, hehe! ~!